Utkarsh UPI vs Digi Diary
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Utkarsh UPI
Facilitate instant and secure financial transactions using various methods like QR codes, Virtual Payment Addresses (VPAs), and Account + IFSC. Supports UPI Lite for faster, smaller transactions and Tap & Pay for contactless payments.
- Instant secure payments
- QR code payments
- VPA payments
- Account + IFSC payments
- UPI Lite support
- Tap & Pay functionality
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Make instant and secure payments through QR, VPA, Account + IFSC,UPI Lite, Lite Autoplay, Lite Transfer Out, Tap & Pay using Utkarsh UPI
Digi Diary
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Manage Your Business Money — Simply & Smartly Digital Diary is an easy-to-use cash flow management app designed for small businesses, shop owners, freelancers, and teams who need a simple yet powerful way to track money daily. Stop using spreadsheets or paper diaries. Track everything in one secure, multi-user app.
Screenshots
Verdict
The clearest difference is iOS requirement: Digi Diary at 15.1 against Utkarsh UPI's 18.0. On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Utkarsh UPI ships an update every 2 months, Digi Diary every 4 months. The most recent releases landed on October 24, 2026 and October 1, 2026 respectively.
| Parameter | Utkarsh UPI | Digi Diary |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 16.7% of reviews | — |
| Update frequency | Every 2 months — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 18.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 38 MB | 21 MB |
| Age rating | 4+ | 4+ |
| Developer | Utkarsh Small Finance Bank Ltd | Kaushal Vinchhi |
In-app purchases
Utkarsh UPI
No in-app purchases
Digi Diary
No in-app purchases
